wmj
71aa4ae47c
Closes 3 of the remaining 4 gaps from the competitive benchmark: - Coverage Dashboard now has a rule-based recommendations engine (recommendations.js) surfacing plain-language next steps from data already in the app — exposed assets, missing Wassiyah, unverified assets, unlinked liabilities, missing insurance/Zakat setup, insufficient attestors, no agent assigned, no Waqf configured. - Faraid Calculator gains a madhab selector (Shafi'i/Hanafi/Maliki/ Hanbali) encoding the one well-documented divergence this engine's existing rules touch: whether radd extends to a sole-heir spouse (Hanafi: yes; Shafi'i/Maliki/Hanbali: no, residue unallocated). Ja'fari (Shia) is honestly gated as unsupported rather than silently computed with Sunni rules, since it's a structurally different classification system, not a parameter tweak. faraid.test.js grows from 14 to 17 cases covering the divergence and the gating. - Wassiyah tab gains a 'Generate draft will document' button producing a formatted, statutory-style DRAFT will (declaration/revocation, executor appointment, bequest schedule, witness attestation blocks) via browser print-to-PDF — no new PDF dependency. Clearly watermarked 'DRAFT — NOT EXECUTED, requires physical signing and witnessing.' Not a claim of legal validity, a lawyer-reviewable starting point. The 4th gap (human-in-the-loop professional tier) remains open — out of scope for a self-serve prevention tool. COMPETITIVE_BENCHMARK.md updated to reflect closed/partially-closed status on each item. Covered by e2e-gaps-round2.cjs (14/14) plus 3 new faraid.test.js cases. Full regression: 226/226 across all suites.
81 lines
4.9 KiB
Markdown
81 lines
4.9 KiB
Markdown
# Nur Falah vs. 5 Islamic Estate-Planning Competitors
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Compared against: Legacy Logic / Al Yusra+ (Malaysia, AI-powered), MyPusaka / Wasiyyah Shoppe
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(Malaysia, legacy incumbent), My Islamic Wills (UK), True Wills (UK), Rafiq Islamic Finance OS
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(US/global fintech).
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## Feature matrix
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| Capability | Nur Falah | Legacy Logic | MyPusaka | My Islamic Wills | True Wills | Rafiq |
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|---|---|---|---|---|---|---|
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| Faraid calculator | Yes | Yes (via report) | Yes | Partial | Partial | No |
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| Wassiyah (1/3 cap enforced) | Yes, per-member | Yes | Yes | Yes | Yes | No |
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| Hibah tracking | Yes | Yes | Yes | No | No | No |
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| Family Waqf | Yes | Partial | Yes | No | No | No |
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| Legally-filable Will document | No | Yes | Yes | Yes | Yes | No |
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| Human lawyer/consultant tier | No | Yes | Yes | Yes | Yes | No |
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| Multi-user family account w/ roles (owner/agent/member) | Yes | No | No | No | No | No |
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| Death trigger + attestor workflow | Yes, dual-attestor, per-member | No | No | No | No | No |
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| Automated heir email notification | Yes | No | No | No | No | No |
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| Mutawalli/trustee live dashboard | Yes | No | No | No | No | No |
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| Family genealogy/tree with photos | Yes | No | No | No | No | No |
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| Coverage % dashboard (asset-by-instrument) | Yes | Partial (static report) | No | No | No | No |
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| Insurance/Takaful tracking | Yes | Yes | No | No | No | No |
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| Liabilities/debt tracking | Yes | Yes | No | No | No | No |
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| Asset ownership verification (proof docs + confirm) | Yes | No | No | No | No | No |
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| Zakat calculator | No | No | No | No | No | Yes |
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| Multi-madhab support | No (single ruleset) | No | No | No | No | Yes (5 schools) |
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| AI guidance / recommendations | No | Yes | No | No | No | Yes |
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| Bank/brokerage account linking | No (explicitly out of scope) | No | No | No | No | Yes (Plaid) |
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| Paid pricing / commercial tier | No (demo) | Yes | Yes | Yes (GBP 98-350) | Yes (GBP 98-350) | Yes (freemium) |
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## Where Nur Falah leads
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None of the five competitors treat estate planning as a living, multi-person,
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collaboratively-administered system. All five are single-user "fill in a form, get a PDF"
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products — a static document written once and hoped to be found later. Nur Falah's
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differentiators:
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- **Family-shared accounts with real RBAC** (owner/agent/member, enforced via RLS) — every
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competitor is one account, one estate.
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- **A trigger mechanism that actually does something** — dual-attestor confirmation, per-member
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death triggers, and automated heir email notification. Competitors stop at "here's your will
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PDF"; none automate what happens *after* death.
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- **A live mutawalli dashboard** — ongoing administration, not a one-time document.
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- **Coverage %, genealogy tree, insurance/liabilities, asset verification** — this granularity
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does not exist anywhere else in the set.
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## Gaps — status
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1. **Legally-filable Will output — partially closed.** Wassiyah tab now generates a formatted,
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statutory-style DRAFT will document (declaration/revocation, executor appointment, bequest
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schedule, witness attestation blocks) via a print-to-PDF flow, clearly watermarked "DRAFT —
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NOT EXECUTED." This is a real time-saver for a lawyer to review and finalize, not a claim
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that the app produces a legally executed document — that still requires physical signing,
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witnessing, and jurisdiction-specific legal review. A fully legally-valid, notarized/filed
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output remains out of scope.
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2. **Zakat calculator — closed.** New per-member Zakat tab: Nisab check + 2.5% on cash, gold,
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silver, business assets, and investments, minus deductible liabilities.
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3. **Single madhab assumption — partially closed.** Faraid calculator now has a madhab
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selector (Shafi'i/Hanafi/Maliki/Hanbali) encoding the one well-documented divergence this
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engine's rules actually touch — whether radd (return of residue) extends to a sole-heir
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spouse. Ja'fari (Shia) is deliberately gated as unsupported rather than silently computed
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with Sunni rules, since it uses a structurally different classification system, not a
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parameter tweak.
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4. **No human-in-the-loop / professional tier — open.** Every competitor pairs software with a
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lawyer or consultant; Nur Falah remains self-serve only.
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5. **AI guidance layer — closed.** Coverage Dashboard now surfaces a rule-based
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recommendations list (exposed assets, missing Wassiyah, unverified assets, unlinked
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liabilities, no insurance logged, no Zakat set up, insufficient attestors, no agent
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assigned, no Waqf configured) — every recommendation traces to a concrete fact already in
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the app's data, not a generated guess.
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## Sources
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- https://www.createwills.my/legacy-logic-malaysias-first-ai-powered-estate-planning-tool-for-islamic-conventional-wills/
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- https://mypusaka.online/home/
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- https://truewills.co.uk/about/
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- https://myislamicwills.co.uk/
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- https://apps.apple.com/us/app/rafiq-islamic-finance-os/id6757416672
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- https://rockwills.com/islamic-estate-planning-in-malaysia-secure-shariah-compliant-wealth-distribution/
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